Insurance for Pregnant Women
In the United States individual health insurance coverage for maternity is best described as less than adequate for most families. In fact, if you are the average American in terms of assets and income you might be best suited applying for Medicaid. Medicaid is the best health insurance possible for pregnant women because it is free and offers coverage for the newborn as well for the first year provided there is no substantial change in income.
As a health insurance broker with a wife who is going to one bear my fruit you might be wondering what I am going to do for our family. The answer is nothing. I am going to either sign up with a maternity plan individually right before we decide to have children, or do a 2 man group through one of our subsidiary companies. Or, I might just pay cash and sign up for a maternity plan through our hospital. What I won’t be doing is flushing money away every month for a maternity plan that I might not need for several years.
According to a recent study, comprehensive maternity coverage was only available in 12% of the 3,500 individual health insurance plans surveyed. Only 9% of plans offer non-comprehensive maternity coverage which means that you get a shoe in the belly if you get pregnant or they hire a Midwest Health Representative to throw you down a steep flight of stairs.
More importantly then any of that is if you are pregnant and shopping for Florida health insurance that you apply for Medicaid because as anyone that know Medicaid will tell you Medicaid is for pregnant women and illegal immigrants. In addition most of these health insurance plans in Florida have waiting periods or only cover 50% of the delivery.
When you think health insurance, you might think of two categories: Overpriced private health insurance that you don’t make enough to afford, or government-sponsored options (like Medicaid) that you may make a bit too much to qualify for. This unfortunate middle has aided to the nearly 50 million Americans who are currently lacking health insurance or underinsured. But the lack of health insurance can be worse for those who are expecting an addition to the family.
For pregnant women, health insurance—particularly maternity coverage—is indispensable. Countless doctors visits, prenatal medication, procedures and tests all need to be done during those nine pregnant months. And that doesn’t even include the delivery fees and doctor costs (which can easily add up to much more than $10,000)! With such costs, the need for health insurance can’t be ignored. However, InsuranceAgents.com can help you find maternity coverage health insurance online right now.
Expectant mothers have a lot to worry about. Between choosing a name, planning the shower, and setting up the baby’s future room, having adequate and affordable health insurance is often overlooked.
Supplemental health insurance is an option that many families take on because it covers maternity hospitalization during the childbirth as well as the doctor’s visits leading up to the birth. Many people may call this type of insurance, pregnant health insurance, but it’s actually a simple add-on policy to assist during the time of pregnancy.
A woman naturally gets excited when she finds out that she is pregnant. In many cases, this happiness is soon diminished when the financial burden of having a child is realized. Thirteen percent of American women who become pregnant have no maternity insurance coverage. They face the risk of inadequate pre-natal care and must find their own resources for funding the cost. If the pregnancy is complicated, this adds to the burden.
Even those with insurance may find to their dismay that maternity is not covered. A costly add-on premium may be required. Some insurers do not offer maternity coverage or consider it a pre-existing health condition. This is illegal by Federal law, and there are several loopholes.
Federal law bars group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you’re pregnant, your new group health insurer (as long as it covers maternity) can’t deny claims related to your pregnancy. But a variety of loopholes means pregnant women could still lack insurance coverage for their prenatal care if they don’t do some careful planning.
Under a federal law known as HIPAA, group health plans cannot consider pregnancy a pre-existing condition and cannot exclude coverage for prenatal care or your baby’s delivery, regardless of your employment or health insurance history, but only if the plan already includes maternity coverage. This holds true whether you are the primary insured or a dependent. So, health plans can’t deny you coverage when you go from one job to another and switch employer-sponsored group health plans.
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